{"id":4700,"date":"2026-11-02T10:02:52","date_gmt":"2026-11-02T09:02:52","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4700"},"modified":"2026-11-02T10:02:53","modified_gmt":"2026-11-02T09:02:53","slug":"pojisteni-cennosti-umeleckych-del-a-sbirek","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-cennosti-umeleckych-del-a-sbirek\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed cennost\u00ed, um\u011bleck\u00fdch d\u011bl a sb\u00edrek: Jak na to?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Obraz po prababi\u010dce, \u0161perky, sb\u00edrka pok\u00e9mon\u016f nebo koleji\u0161t\u011b za stovky tis\u00edc korun. Mnoho lid\u00ed v\u011b\u0159\u00ed, \u017ee je m\u00e1 v poji\u0161t\u011bn\u00ed dom\u00e1cnosti automaticky pln\u011b kryt\u00e9. Poji\u0161t\u011bn\u00ed cennost\u00ed, um\u011bleck\u00fdch d\u011bl a sb\u00edrek m\u00e1 ale vlastn\u00ed pravidla. Jak je spr\u00e1vn\u011b pojistit, aby v\u00e1m poji\u0161\u0165ovna plnila?<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#jak-se-pojistuji-cennosti-umelecka-dila-a-sbirky\">Jak se poji\u0161\u0165uj\u00ed cennosti, um\u011bleck\u00e1 d\u00edla a sb\u00edrky?<\/a><\/li><li class=\"\"><a href=\"#jak-na-pojisteni-cennosti-umeleckych-del-a-sbirek-v-pojisteni-domacnosti\">Jak na poji\u0161t\u011bn\u00ed cennost\u00ed, um\u011bleck\u00fdch d\u011bl a sb\u00edrek v poji\u0161t\u011bn\u00ed dom\u00e1cnosti?\u00a0<\/a><\/li><li class=\"\"><a href=\"#co-muze-pojisteni-cennosti-zahrnovat\">Co m\u016f\u017ee poji\u0161t\u011bn\u00ed cennost\u00ed zahrnovat?\u00a0<\/a><\/li><li class=\"\"><a href=\"#co-kryje-pojisteni-cennosti-a-na-co-si-dat-pozor\">Co kryje poji\u0161t\u011bn\u00ed cennost\u00ed a na co si d\u00e1t pozor?\u00a0<\/a><ul><li class=\"\"><a href=\"#omezeni-vyse-plneni-dle-zabezpecovacich-tabulek\">Omezen\u00ed v\u00fd\u0161e pln\u011bn\u00ed dle zabezpe\u010dovac\u00edch tabulek<\/a><\/li><li class=\"\"><a href=\"#vyluky\">V\u00fdluky<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-pojistovna-za-umelecka-dila-a-sbirky-plni\">Jak poji\u0161\u0165ovna za um\u011bleck\u00e1 d\u00edla a sb\u00edrky pln\u00ed?<\/a><ul><li class=\"\"><a href=\"#jak-dolozit-hodnotu-cennosti-a-umeleckych-del\">Jak dolo\u017eit hodnotu cennost\u00ed a um\u011bleck\u00fdch d\u011bl?\u00a0<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#caste-otazky-o-pojisteni-cennosti-umeleckych-del-a-sbirek\">\u010cast\u00e9 ot\u00e1zky o poji\u0161t\u011bn\u00ed cennost\u00ed um\u011bleck\u00fdch d\u011bl a sb\u00edrek<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"jak-se-pojistuji-cennosti-umelecka-dila-a-sbirky\" class=\"wp-block-heading\">Jak se poji\u0161\u0165uj\u00ed cennosti, um\u011bleck\u00e1 d\u00edla a sb\u00edrky?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zp\u016fsob poji\u0161t\u011bn\u00ed um\u011bn\u00ed nebo sb\u011bratelsk\u00fdch kousk\u016f se odvozuje p\u0159edev\u0161\u00edm od jejich hodnoty. Pokud vlastn\u00edte skute\u010dn\u011b cenn\u00fd \u201cmuzejn\u00ed expon\u00e1t\u201d, jeho\u017e hodnota p\u0159esahuje 1 000 000 K\u010d, je nutn\u00e9 ho pro dosa\u017een\u00ed adekv\u00e1tn\u00ed ochrany pojistit individu\u00e1ln\u011b, a to specializovan\u00fdmi produkty mimo b\u011b\u017en\u00e9 majetkov\u00e9 poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cennosti s odhadovanou hodnotou do 1 000 000 K\u010d si m\u016f\u017eete pojistit v r\u00e1mci b\u011b\u017en\u00e9ho <a href=\"https:\/\/www.rixo.cz\/pojisteni-domacnosti\/\"><strong>poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/strong><\/a> &#8211; a pr\u00e1v\u011b na poji\u0161t\u011bn\u00ed t\u011bchto p\u0159edm\u011bt\u016f a sb\u00edrek se zam\u011b\u0159\u00edme v tomto \u010dl\u00e1nku.&nbsp;<\/p>\n\n\n\n<h2 id=\"jak-na-pojisteni-cennosti-umeleckych-del-a-sbirek-v-pojisteni-domacnosti\" class=\"wp-block-heading\">Jak na poji\u0161t\u011bn\u00ed cennost\u00ed, um\u011bleck\u00fdch d\u011bl a sb\u00edrek v poji\u0161t\u011bn\u00ed dom\u00e1cnosti?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V r\u00e1mci poji\u0161t\u011bn\u00ed dom\u00e1cnosti se b\u011b\u017en\u011b setk\u00e1te s <strong>p\u0159ipoji\u0161t\u011bn\u00edm cennost\u00ed<\/strong>, respektive <strong>p\u0159ipoji\u0161t\u011bn\u00edm v\u011bc\u00ed zvl\u00e1\u0161tn\u00ed hodnoty<\/strong>. V\u011bt\u0161ina poji\u0161\u0165oven ur\u010duje limit pro cennosti procentu\u00e1ln\u011b z pojistn\u00e9 \u010d\u00e1stky dom\u00e1cnosti. Hodnoty se li\u0161\u00ed nejen mezi poji\u0161\u0165ovnami, ale i mezi variantami poji\u0161t\u011bn\u00ed u jedn\u00e9 poji\u0161\u0165ovny.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V z\u00e1kladn\u00edm nastaven\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti je obecn\u011b <strong>sublimit pro kryt\u00ed cennost\u00ed pom\u011brn\u011b n\u00edzk\u00fd<\/strong> a pohybuje se b\u011b\u017en\u011b v rozmez\u00ed 50-80 000 K\u010d. Pokud tedy doma m\u00e1te cenn\u011bj\u0161\u00ed p\u0159edm\u011bty v souhrnn\u00e9 hodnot\u011b nad 50 000 K\u010d, rozhodn\u011b p\u0159i srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed a sjedn\u00e1n\u00ed pojistn\u00e9 smlouvy na tuto skute\u010dnost nezapom\u00ednejte a limit si nechte nav\u00fd\u0161it dle skute\u010dn\u00e9 hodnoty poji\u0161\u0165ovan\u00fdch v\u011bc\u00ed.\u00a0<\/p>\n\n\n\n<h2 id=\"co-muze-pojisteni-cennosti-zahrnovat\" class=\"wp-block-heading\">Co m\u016f\u017ee poji\u0161t\u011bn\u00ed cennost\u00ed zahrnovat?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed cennost\u00ed, p\u0159\u00edpadn\u011b poji\u0161t\u011bn\u00ed v\u011bc\u00ed zvl\u00e1\u0161tn\u00ed hodnoty m\u016f\u017ee zahrnovat \u0161irokou \u0161k\u00e1lu p\u0159edm\u011bt\u016f, kter\u00e9 jsou definov\u00e1ny um\u011bleckou, kulturn\u00ed \u010di historickou hodnotou, sb\u011bratelsk\u00fdm z\u00e1jmem, nebo jsou ur\u010dit\u00fdm zp\u016fsobem unik\u00e1tn\u00ed. P\u0159edev\u0161\u00edm se jedn\u00e1 o:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Staro\u017eitnosti<\/strong>: p\u0159edm\u011bty historick\u00e9 hodnoty (zpravidla dle podm\u00ednek poji\u0161\u0165oven star\u0161\u00ed ne\u017e 100 let), nap\u0159. staro\u017eitn\u00fd n\u00e1bytek, hodiny, hudebn\u00ed n\u00e1stroje, textilie, porcel\u00e1n nebo dekorace&nbsp;<\/li>\n\n\n\n<li><strong>Um\u011bleck\u00e9 p\u0159edm\u011bty<\/strong>: obrazy a jin\u00e1 v\u00fdtvarn\u00e1 d\u00edla, sochy, p\u0159edm\u011bty u\u017eit\u00e9ho um\u011bn\u00ed<\/li>\n\n\n\n<li><strong>Sb\u011bratelsk\u00e9 p\u0159edm\u011bty<\/strong>: samostatn\u00e9 sb\u011bratelsk\u00e9 p\u0159edm\u011bty i ucelen\u00e9 sb\u00edrky, nap\u0159. po\u0161tovn\u00ed zn\u00e1mky, kolky, mince, medaile, knihy, komiksy, hra\u010dky i modely<\/li>\n\n\n\n<li><strong>\u0160perky a drah\u00e9 kovy<\/strong>: nap\u0159. perly, drahokamy, p\u0159edm\u011bty z drah\u00fdch kov\u016f<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"999\" height=\"562\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/world-globe-antique-store-1-1-1-edited.jpg\" alt=\"poji\u0161t\u011bn\u00ed cennost\u00ed um\u011bleck\u00fdch d\u011bl a sb\u00edrek\" class=\"wp-image-4705\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/world-globe-antique-store-1-1-1-edited.jpg 999w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/world-globe-antique-store-1-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/world-globe-antique-store-1-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/world-globe-antique-store-1-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/world-globe-antique-store-1-1-1-edited-700x394.jpg 700w\" data-sizes=\"auto, (max-width: 999px) 100vw, 999px\" \/><\/figure>\n\n\n\n<h2 id=\"co-kryje-pojisteni-cennosti-a-na-co-si-dat-pozor\" class=\"wp-block-heading\">Co kryje poji\u0161t\u011bn\u00ed cennost\u00ed a na co si d\u00e1t pozor?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rozsah kryt\u00ed se obecn\u011b neli\u0161\u00ed od b\u011b\u017en\u00e9ho poji\u0161t\u011bn\u00ed dom\u00e1cnosti a vztahuje se na \u017eiveln\u00ed \u0161kody, vodovodn\u00ed \u0161kody, odcizen\u00ed i vandalismus. Konkr\u00e9tn\u00ed podm\u00ednky kryt\u00ed se ale mezi jednotliv\u00fdmi poji\u0161\u0165ovnami mohou li\u0161it. Plat\u00ed, \u017ee poji\u0161t\u011bno je v\u0161e, co nen\u00ed v\u00fdslovn\u011b vylou\u010deno &#8211; nejd\u016fle\u017eit\u011bj\u0161\u00ed p\u0159i sjedn\u00e1v\u00e1n\u00ed pojistn\u00e9 ochrany pro cenn\u00e1 d\u00edla a sb\u00edrky je proto sezn\u00e1men\u00ed se s v\u00fdlukami a podm\u00ednkami pln\u011bn\u00ed.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 id=\"omezeni-vyse-plneni-dle-zabezpecovacich-tabulek\" class=\"wp-block-heading\">Omezen\u00ed v\u00fd\u0161e pln\u011bn\u00ed dle zabezpe\u010dovac\u00edch tabulek<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 <strong>zabezpe\u010dovac\u00ed tabulky<\/strong>, kter\u00e9 ur\u010duj\u00ed, jak\u00e9 zabezpe\u010den\u00ed majetku mus\u00edte m\u00edt, aby v\u00e1m plnila v pln\u00e9 v\u00fd\u0161i v p\u0159\u00edpad\u011b <strong>odcizen\u00ed \u010di vandalismu<\/strong>. V p\u0159\u00edpad\u011b ni\u017e\u0161\u00edho zabezpe\u010den\u00ed objektu je limit omezen\u00fd. Typicky jde o bezpe\u010dnostn\u00ed z\u00e1mky a dve\u0159e, m\u0159\u00ed\u017ee nebo alarm a u cennost\u00ed je tak\u00e9 limit pln\u011bn\u00ed omezen\u00fd podle toho, zda se cennosti nach\u00e1z\u00ed v certifikovan\u00e9m trezoru nebo mimo n\u011bj.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u017eadovan\u00e9 zabezpe\u010den\u00ed se vyplat\u00ed p\u0159ed sjedn\u00e1n\u00edm v\u017edy ov\u011b\u0159it. Pokud toti\u017e podm\u00ednky nespln\u00edte, nebo zabezpe\u010den\u00ed nebylo v dob\u011b \u0161kody aktivn\u00ed (alarm jste zapomn\u011bli zapnout), poji\u0161\u0165ovna pln\u011bn\u00ed omez\u00ed na maxim\u00e1ln\u00ed limit uveden\u00fd v tabulce, kter\u00e1 je v\u017edy sou\u010d\u00e1st\u00ed pojistn\u00fdch podm\u00ednek.&nbsp;<\/p>\n\n\n\n<h3 id=\"vyluky\" class=\"wp-block-heading\">V\u00fdluky<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dejte pozor na obecn\u00e9, ale i speci\u00e1ln\u00ed v\u00fdluky z poji\u0161t\u011bn\u00ed. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti nikdy nezaplat\u00ed nap\u0159\u00edklad \u0161kody vznikl\u00e9 hrubou nedbalost\u00ed nebo \u00famysln\u011b nebo \u0161kody zp\u016fsoben\u00e9 neodbornou \u00fadr\u017ebou, stavebn\u00edmi pracemi nebo zanedb\u00e1n\u00edm \u00fadr\u017eby. V r\u00e1mci specifick\u00fdch v\u00fdluk pro cennosti a um\u011bleck\u00e1 d\u00edla je pak tak\u00e9 obvykle vylou\u010deno pln\u011bn\u00ed v p\u0159\u00edpad\u011b vloup\u00e1n\u00ed do vozidla nebo nebytov\u00fdch prostor\u016f (gar\u00e1\u017ee, k\u016flny, sklepn\u00ed k\u00f3je v bytov\u00fdch domech) apod.&nbsp;<\/p>\n\n\n\n<h2 id=\"jak-pojistovna-za-umelecka-dila-a-sbirky-plni\" class=\"wp-block-heading\">Jak poji\u0161\u0165ovna za um\u011bleck\u00e1 d\u00edla a sb\u00edrky pln\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zp\u016fsob pln\u011bn\u00ed se obvykle \u0159\u00edd\u00ed t\u011bmito pravidly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>V\u011bci zvl\u00e1\u0161tn\u00ed hodnoty:<\/strong> poji\u0161\u0165ovna zaplat\u00ed opravu nebo um\u011blecko\u0159emeslnou kopii do v\u00fd\u0161e jejich obvykl\u00e9 ceny. Pokud je nelze opravit ani okop\u00edrovat, vyplat\u00ed obvyklou cenu sn\u00ed\u017eenou o hodnotu zbytk\u016f.<\/li>\n\n\n\n<li><strong>Sb\u00edrky:<\/strong> rozhoduje znaleck\u00fd posudek, kter\u00fd ur\u010d\u00ed hodnotu sb\u00edrky v dob\u011b \u0161kody, p\u0159\u00edpadn\u011b v\u00fd\u0161i \u0161kody na n\u00ed. Pozor ale na to, \u017ee poji\u0161\u0165ovna p\u0159i \u0161kod\u011b hodnot\u00ed <strong>jednotliv\u00e9 kusy, ne hodnotu celku<\/strong>. Pokud v\u00e1m zlod\u011bj odnese jen \u010d\u00e1st sb\u00edrky, n\u00e1rok na vy\u0161\u0161\u00ed pln\u011bn\u00ed za jej\u00ed \u201enekompletnost\u201d v\u00e1m obvykle nevznikne.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"jak-dolozit-hodnotu-cennosti-a-umeleckych-del\" class=\"wp-block-heading\">Jak dolo\u017eit hodnotu cennost\u00ed a um\u011bleck\u00fdch d\u011bl?&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Doklady jako faktury, \u00fa\u010dtenky, certifik\u00e1ty pravosti, nebo nap\u0159. soupis poz\u016fstalosti v p\u0159\u00edpad\u011b zd\u011bd\u011bn\u00fdch p\u0159edm\u011bt\u016f jsou p\u0159i \u0159e\u0161en\u00ed \u0161kody tak\u0159ka nezbytnost\u00ed. Pokud je nem\u00e1te, poji\u0161\u0165ovna si v\u011bc nacen\u00ed sama nebo vyu\u017eije odhadce. U dra\u017e\u0161\u00edch kus\u016f a sb\u00edrek poji\u0161\u0165ovny \u010dasto vy\u017eaduj\u00ed odhad nebo znaleck\u00fd posudek, kter\u00fd akceptuj\u00ed jen po omezenou dobu. Ve\u010fte tak\u00e9 soupis p\u0159edm\u011bt\u016f s fotografiemi a kopie doklad\u016f m\u011bjte bezpe\u010dn\u011b ulo\u017een\u00e9 nap\u0159\u00edklad v elektronick\u00e9 podob\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chcete chr\u00e1nit v\u00e1\u0161 domov i va\u0161e cennosti kvalitn\u011b a v\u00fdhodn\u011b? A\u0165 u\u017e je va\u0161\u00ed v\u00e1\u0161n\u00ed filatelie, bibliofilie nebo sb\u00edr\u00e1n\u00ed Pok\u00e9mon karti\u010dek, srovnejte si poji\u0161t\u011bn\u00ed majetku na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a my v\u00e1m b\u011bhem chvilky porad\u00edme s nejvhodn\u011bj\u0161\u00edm zp\u016fsobem ochrany va\u0161ich cennost\u00ed, um\u011bleck\u00fdch d\u011bl nebo sb\u00edrek a najdeme to nejv\u00fdhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed!<\/p>\n\n\n\n<iframe loading=\"lazy\" height=\"350\" width=\"400\" frameborder=\"0\" style=\"margin-left: auto;margin-right: auto;display: block;\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/property-insurance-form\/\"><\/iframe>\n\n\n\n<h2 id=\"caste-otazky-o-pojisteni-cennosti-umeleckych-del-a-sbirek\" class=\"wp-block-heading\">\u010cast\u00e9 ot\u00e1zky o poji\u0161t\u011bn\u00ed cennost\u00ed um\u011bleck\u00fdch d\u011bl a sb\u00edrek<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hroz\u00ed p\u0159i poji\u0161t\u011bn\u00ed cennost\u00ed podpoji\u0161t\u011bn\u00ed?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ano. Podpoji\u0161t\u011bn\u00ed, tedy nastaven\u00ed ni\u017e\u0161\u00edho limitu (pojistn\u00e9 \u010d\u00e1stky), ne\u017e jak\u00e1 je skute\u010dn\u00e1 hodnota p\u0159edm\u011btu poji\u0161t\u011bn\u00ed, nemus\u00ed dopadat jen na nemovitost nebo dom\u00e1cnost, ale i na v\u011bci zvl\u00e1\u0161tn\u00ed hodnoty, jako jsou obrazy, sb\u00edrky nebo nejr\u016fzn\u011bj\u0161\u00ed staro\u017eitnosti. Poji\u0161\u0165ovna m\u016f\u017ee na z\u00e1klad\u011b pojistn\u00fdch podm\u00ednek p\u0159i \u0161kod\u011b uplat\u0148ovat pom\u011brn\u00e9 <a href=\"https:\/\/www.rixo.cz\/slovnik\/kraceni-plneni\/\">kr\u00e1cen\u00ed pojistn\u00e9ho pln\u011bn\u00ed<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Co d\u011blat, kdy\u017e dojde ke \u0161kod\u011b?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0160kody vyfo\u0165te a odstra\u0148ujte jen natolik, abyste zabr\u00e1nili vzniku dal\u0161\u00edch. Co nejd\u0159\u00edve \u0161kodu nahlaste poji\u0161\u0165ovn\u011b a s dal\u0161\u00edm postupem po\u010dkejte na vyj\u00e1d\u0159en\u00ed poji\u0161\u0165ovny (m\u016f\u017ee vy\u017eadovat nap\u0159. kontrolu likvid\u00e1torem). Kr\u00e1de\u017e vloup\u00e1n\u00edm nahlaste Policii \u010cR a poji\u0161\u0165ovn\u011b dolo\u017ete soupis, fotografie a doklady o hodnot\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kolik poji\u0161t\u011bn\u00ed cennost\u00ed, um\u011bleck\u00fdch d\u011bl a sb\u00edrek stoj\u00ed?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cena z\u00e1vis\u00ed na lokalit\u011b, respektive rizikovosti lokality a um\u00edst\u011bn\u00ed dom\u00e1cnosti zejm\u00e9na z hlediska vloup\u00e1n\u00ed, hodnot\u011b majetku, limitu pro cennosti, zabezpe\u010den\u00ed, rozsahu kryt\u00ed a spolu\u00fa\u010dasti. Ceny p\u0159ipoji\u0161t\u011bn\u00ed ale nejsou astronomick\u00e9. Nap\u0159\u00edklad p\u0159ipoji\u0161t\u011bn\u00ed um\u011bleck\u00e9 sb\u00edrky v hodnot\u011b 500 000 K\u010d m\u016f\u017ee poji\u0161t\u011bn\u00ed dom\u00e1cnosti zdra\u017eit jen o necel\u00fdch 1 000 K\u010d ro\u010dn\u011b.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kdy u\u017e poji\u0161t\u011bn\u00ed dom\u00e1cnosti pro kryt\u00ed cennost\u00ed a sb\u00edrek nesta\u010d\u00ed?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U v\u011bc\u00ed nad 1 000 000 K\u010d doporu\u010dujeme sjednat specifickou pojistnou smlouvu p\u0159\u00edmo na dan\u00fd p\u0159edm\u011bt. Ta m\u016f\u017ee kr\u00fdt i situace, kter\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnosti nepokryje, nap\u0159\u00edklad kdy\u017e si v\u011bc sami zni\u010d\u00edte.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Obraz po prababi\u010dce, \u0161perky, sb\u00edrka pok\u00e9mon\u016f nebo koleji\u0161t\u011b za stovky tis\u00edc korun. Mnoho lid\u00ed v\u011b\u0159\u00ed, \u017ee je m\u00e1 v poji\u0161t\u011bn\u00ed dom\u00e1cnosti automaticky pln\u011b kryt\u00e9. Poji\u0161t\u011bn\u00ed cennost\u00ed, um\u011bleck\u00fdch d\u011bl a sb\u00edrek m\u00e1 ale vlastn\u00ed pravidla. Jak je spr\u00e1vn\u011b pojistit, aby v\u00e1m poji\u0161\u0165ovna plnila?<\/p>\n","protected":false},"author":11,"featured_media":4702,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,9],"tags":[51],"class_list":["post-4700","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-majetek","tag-pojisteni-majetku"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4700","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=4700"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4700\/revisions"}],"predecessor-version":[{"id":4733,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4700\/revisions\/4733"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4702"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}